How Can You Recognize Debt Collectors’ Illegal Practices?

The Fair Debt Collection Practices Act forbids debt collectors from engaging in harassment, making false statements, or using deceitful tactics. The federal Fair Debt Collection Practices Act, as well as individual state laws, are designed to protect you from tactics that go over the line and intimidate or harass you. Knowing which practices are prohibited is the first step in asserting your rights under the law. We’ve assembled illegal debt collection practices to help you recognize when a collector has broken the law.

The Fair Debt Collection Practices Act strictly regulates debt collectors from engaging in deceitful practices and harassing behavior. If a debt collector has crossed the line with you, you have recourse, and the free services of an attorney will help you make the calls stop and get the compensation you deserve.

Here are examples of specific illegal tactics as cited in the Fair Debt Collection Practices Act (USC 1692 – Sections B-J):

1. 1Sect. B Contacting Third Parties
2. 2Sect. C Prohibited Communications
3. 3Sect. D.Harassment or Abuse
   • Harassment Through Embarrassment
   • Abusive Language
4. 4Sect. E False or Misleading Representation
   • Pretending They’re Someone They’re Not
   • Posing as a Government Agent
   • False Documentation
   • Threaten to Take Your Property
5. 5Sect. F. Unfair Practices
   • Misuse of Post Dated Checks
   • Embarrassment Through the Mail
   • Charging for More than You Owe
   • Telling You Not to Do A Thing
6. 6Sect. G 30 Day Validation Notice
   • Failure to Notify in Writing Within 5 Days
7. 7Sect. H Multiple Debts
8. 8Sect. I Legal Actions
9. 9Sect. J Deceptive Forms